Chase Transfer Partners

Chase Ultimate Rewards points are transferable to many airline and hotel partners. Below you’ll find a complete list of Chase transfer partners as well as suggestions for best uses.

Tips

Don’t transfer yet: Don’t transfer points until high value awards are available and you are ready to book them. Transfers are one-way only. Chase Ultimate Rewards points are valuable for their flexibility. Once you transfer, you are locked into a single program that may or may not have awards available.

Move points to a household member or business partner: You can freely move your points from one Chase account to another as long as the other account is owned by a household member or a business co-owner.

Always have at least 1 transferable account: Chase Ultimate Rewards cards with no annual fee (such as Freedom, Freedom Unlimited, and Ink Cash) do not directly allow point transfers to partners. However, if you or a household member or business co-owner have at least one card that permits transfers, then you’re good to go. For example, points acquired through the Chase Freedom card can be moved to a Chase Sapphire Preferred account and then transferred to airline or hotel partners.

Don’t forget about the pay with points option: The Chase Sapphire Reserve card lets you pay with points for many types of travel. When you do so, you’ll get 1.5 cents per point value from your points. With other premium Chase cards (Sapphire Preferred, Ink Business Preferred), you’ll get 1.25 cents per point value. If you or a household member has the Sapphire Reserve card, then it makes sense to move points to that card first before paying with points for travel.

Chase Transfer Partners: Hotels

Rewards Program

Best Uses

Hyatt

Use for Hyatt free nights or points + cash nights. Hyatt points are often worth at least 1.7 cents each towards free nights, but they’re sometimes worth far more. One hidden bonus: award nights are not subject to resort fees.

IHG

Marriott Rewards

5th Night Free awards

Chase Transfer Partners: Airlines

Rewards Program

Best Uses

Air France KLM Flying Blue

Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards.

Avios

While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Great value can be had in redeeming BA points for short distance flights. Iberia offers very low award prices on their own flights. Round trip partner awards can offer good value under some circumstances as well. Fuel surcharges are often lower than when booking through British Airways. Aer Lingus shares the "Avios" currency with British Airways and Iberia. In most cases it is best to move points to one of those programs in order to book awards for less.

Use to book Singapore Airlines First Class awards (generally reserved for their own members) or for Star Alliance awards. Low change fees and no close-in booking fees make this a very good program for booking United Airlines flights.

Southwest Rapid Rewards

Award flights are fully refundable. Point values vary due to certain taxes not being charged on awards, but tend to average around 1.5 cents per point.

United MileagePlus

Even though Singapore Airlines miles have a number of advantages over United miles for booking Star Alliance flights, United has advantages too. For one, it is possible to book most Star Alliance awards online at United.com. Additionally, United awards sometimes cost fewer miles with United than with Singapore (especially premium awards on United’s own flights). And, most importantly, United never charges fuel surcharges for awards. In some cases, United is far cheaper than Singapore Airlines for this reason alone.

Virgin Atlantic Flying Club

Virgin Atlantic miles can be usefully thought of as a way to get a discount off Virgin Atlantic flights (high fuel surcharges make the flights far from free), but there are some better uses. Use miles to upgrade paid flights or to fly partner airlines. A fantastic use is to fly ANA in business or first class thanks to Virgin’s generous ANA partner award chart. Or, if you can find saver level Delta awards for nonstop international travel, you can often book through Virgin Atlantic far cheaper than with Delta directly.

Chase Transfer Partners: Indirect

In some cases it is possible to transfer to an airline or hotel program in order to then transfer from that program to another program. I’ll leave it to the reader to decide whether or not it is a good idea to transfer in these ways (hint: these transfers usually represent poor value, but there are exceptions).

Rewards Program

Chase Transfer Ratio

Indirect Transfer Notes

Best Uses

Hilton

2 to 3*

Transfer first to Virgin Atlantic. Convert Virgin Atlantic miles 1 to 1.5 to Hilton. Since Hilton points are usually worth only around .45 cents each towards free nights, this isn’t usually a good idea.

No, they don’t. You will get charged a resort fee on cash & points. Also, Globalists get free parking — but only on award nights (not cash & points).

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1 year ago

Guest

steve

great article ! thks

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1 year ago

Guest

Joey Joe Joe Jr Shabadoo

I’m not familiar with transferring UR points to other programs, but I’ve read before that having certain Chase credit cards are required either to transfer to specific partners or to transfer them at higher rates. Is it possible to include that information so that I can better familiarize myself with the requirements? Thanks.

Wow, thank you for the continual well-organized and thorough information. I don’t know how you do it! I retired end of 2016, and my 2017 goal has been to learn about rewards points. You have been instrumental in helping me.

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1 year ago

Guest

wise2u

having an ink card and the reserve card, UR points for each are shown. Since the reserve has a travel redemption of 1.5 cents vs 1.25 on points earned with ink, are you sure they will let you combine points and use them through the reserve card?….common sense would say no.

Yes, they absolutely do. In fact, in my case, my wife has the Sapphire Reserve and I have the Sapphire Preferred and Ink Plus. I’ve moved points from my Ink Plus / Sapphire Reserve to her account (Chase allows you to transfer with one person within your household) and then used them for 1.5 cents each. They definitely allow you to combine points back and forth between your cards.

This is one of the reasons why the CSR may be worth keeping beyond year 1 — if you use points at 1.5c often, it’s great to combo the CSR with an Ink Cash (or Plus if you still have it) or Freedom or Freedom Unlimited.

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1 year ago

Guest

Al D

For Southwest, is paying with Chase points even an option? I didn’t think you could book Southwest through the Chase travel portal.

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